2003 GMC Sierra 1500HD Car Insurance Quotes – 10 Ways to Save

Searching for lower insurance rates for your GMC Sierra 1500HD? Have you fallen victim to overpriced insurance? Believe me, many consumers are feeling buyer’s remorse and feel like there’s no way out.

Because there are so many insurance providers from which to choose, it is hard for the average consumer to locate the cheapest car insurance company.

It’s smart to check insurance prices quite often since insurance rates are adjusted regularly by insurance companies. Even if you think you had the best rates for SierraHD insurance six months ago there is a good chance you can find better rates now. Don’t believe everything you read about insurance on the web, but with this article, you’re going to get the easiest ways to find cheap insurance.

Do you qualify for these ten discounts?

Companies offering auto insurance don’t list every discount in a way that’s easy to find, so we took the time to find some of the more common as well as the least known savings tricks you should be using.

  • Driver Safety – Completing a course in driver safety could save 5% or more depending on where you live.
  • Low Mileage – Low mileage vehicles can earn better rates on cars that stay parked.
  • Paperwork-free – Some insurance companies give back up to $50 simply for signing online.
  • Resident Student – Kids in college who live away from home without a vehicle on campus may qualify for this discount.
  • Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
  • Multiple Vehicles – Having multiple vehicles with the same company could earn a price break for each car.
  • Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.
  • Anti-theft Discount – Anti-theft and alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Homeowners Pay Less – Owning a home can save you money because maintaining a house shows financial diligence.
  • Air Bag Discount – Vehicles with factory air bags can receive discounts up to 30%.

As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as liability and collision coverage. Even though it may seem like adding up those discounts means a free policy, it doesn’t quite work that way.

Car insurance companies that possibly offer these discounts are:

It’s a good idea to ask each company how you can save money. Discounts might not apply in your area.

Don’t assume everyone needs the same coverage

When it comes to buying coverage for your vehicles, there isn’t really a cookie cutter policy. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions can aid in determining whether your personal situation might need professional guidance.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • Should I buy only the required minimum liability coverage?
  • What is high-risk coverage and where do I buy it?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Does coverage extend to Mexico or Canada?
  • How can I get my company to pay me more for my totalled car?
  • How high should deductibles be on a 2003 GMC Sierra 1500HD?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Car insurance coverage information

Understanding the coverages of insurance can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages available from insurance companies.

Collision coverage – This coverage pays for damage to your Sierra 1500HD from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like driving through your garage door, colliding with a tree and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Medical expense insurance – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for EMT expenses, pain medications, doctor visits, ambulance fees and surgery. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your GMC Sierra 1500HD.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive (Other than Collision) – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like rock chips in glass, hitting a deer, a broken windshield, hail damage and hitting a bird. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability coverages – This coverage will cover damages or injuries you inflict on people or other property in an accident. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things such as medical services, medical expenses and pain and suffering. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

The best insurance company isn’t always the cheapest

Budget-conscious 2003 GMC Sierra 1500HD insurance is available on the web as well as from independent agents, and you should compare price quotes from both to have the best selection. Some insurance providers don’t offer online price quotes and most of the time these small, regional companies sell through independent agents.

As you shop your coverage around, never buy lower coverage limits just to save a few bucks. Too many times, an insured cut collision coverage and learned later that the few dollars in savings costed them thousands. Your focus should be to buy a smart amount of coverage for the lowest price while still protecting your assets.

We just presented a lot of techniques to get a better price on insurance. It’s most important to understand that the more you quote, the better chance you’ll have of finding lower rates. Drivers may discover the best prices are with a company that doesn’t do a lot of advertising. They may cover specific market segments cheaper as compared to the big name companies such as Allstate or State Farm.

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